Wealth on the Move – Wealth on the Move

Vanguard Proves Why Financial Advisors Matter – And What Most Get Wrong (Episode 31)

By Wealth on the Move | September 26, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman and director of financial planning Niko Rosso discuss the value that financial advisors bring to their clients, referencing a significant study by Vanguard. They explore various aspects of financial planning, including investment selection, asset location, tax efficiency, and the importance of behavioral coaching. The conversation emphasizes the evolving role of independent financial advisors in a changing financial landscape, highlighting the need for financial literacy and proactive planning.

Resources:

Download the Vanguard Study HERE!

Takeaways:

Vanguard’s study highlights the value of financial advisors.
Investment selection can add significant alpha to portfolios.
Behavioral coaching is crucial for client success.
Understanding asset location can enhance tax efficiency.
Tax loss harvesting can provide financial benefits.
Budgeting is essential for financial discipline.
Independent financial advisors are shaping the future of wealth management.
Financial literacy is vital for effective money management.
Proactive planning can mitigate financial risks.
The evolving landscape of financial advising requires adaptability.

Connect with Will Hoffman:

Connect with Niko Rosso:

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Maximizing Financial Aid: The FAFSA Guide with Tina Steele (Episode 30)

By Wealth on the Move | September 11, 2025

Summary: In this episode of Wealth on the Move, Will Hoffman speaks with Tina Steele, the FAFSA guru, about the intricacies of the FAFSA process and how families can maximize their financial aid opportunities. They discuss the importance of understanding FAFSA, the changes that have occurred recently, and strategies for families to navigate the financial aid landscape effectively. Tina shares insights on common mistakes families make, the significance of documentation, and the future of FAFSA, including new technologies that will aid in the process. This conversation is essential for parents and students preparing for college funding.

Resources:

Takeaways:

FAFSA is crucial for all students attending college.
Filling out FAFSA is necessary every year for financial aid.
Many families mistakenly believe they won’t qualify for aid.
Child support is now treated as an asset in FAFSA calculations.
Families can report special circumstances to financial aid offices.
It’s important to appeal financial aid offers for potential increases.
NIL income can affect financial aid eligibility for student-athletes.
Common mistakes include misreporting assets and missing deadlines.
Documentation is key for the FAFSA process and potential verification.
The FAFSA process is evolving with new technologies for assistance.

Connect with Will Hoffman:

Tina Steele and The FAFSA Guru not affiliated with Hoffman Wealth Management and Private Advisor Group. This presentation is not intended as specific financial advice for any individual.

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How to Win Scholarships & Pay for College Without Student Loans with Dave Peterson (Episode 29)

By Wealth on the Move | September 4, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman discusses the challenges of funding college education with expert Dave Peterson. They explore the vast opportunities available through scholarships, the misconceptions surrounding them, and the importance of starting the scholarship search early. Peterson shares insights on different types of scholarships, the scholarship application process, and how to build a compelling personal narrative. The conversation emphasizes the need for parents and students to be proactive in seeking financial aid to alleviate the burden of student loans and ensure a successful educational journey.

Resources:

Takeaways:

There is a significant amount of scholarship money available, much of which goes unclaimed.
Scholarships are not just for seniors; opportunities exist for younger students as well.
A strong personal narrative is crucial for winning scholarships.
Students should start applying for scholarships as early as possible.
Many scholarships do not require high GPAs or test scores.
Building a personal narrative involves academics, extracurriculars, volunteering, and work experience.
Avoid applying for illegitimate scholarships that ask for sensitive information.
The scholarship application process requires attention to detail and following instructions.
Students can earn scholarships even after high school graduation.
Utilizing resources like Scholarship GPS can help streamline the scholarship search process.

Connect with Will Hoffman:

Dave Peterson and Scholarship GPS not affiliated with Hoffman Wealth Management and Private Advisor Group. This presentation is not intended as specific financial advice for any individual.

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Healthy Wealthy Longevity: A New Prospective with Jon Sabes (Episode 28)

By Wealth on the Move | August 28, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman engages with John Sabes, author of ‘Healthy Wealthy Longevity.’ They discuss the critical importance of longevity as a financial risk, the role of self-care and health in financial planning, and the impact of lifestyle choices on longevity. John shares insights on epigenetics and how our lifestyle influences gene expression, emphasizing the need for individuals to invest in their health to ensure a vibrant life as they age. The conversation also touches on the future of health and wealth innovation, and the importance of planning for uncertainty in life expectancy.

Resources:

Takeaways:

Longevity is a significant risk to retirement portfolios.
Self-care and health are crucial for a fulfilling life.
Investing in yourself is the best financial decision.
Lifestyle choices greatly influence longevity and health.
Epigenetics shows that our lifestyle affects gene expression.
Planning for retirement must consider the unpredictability of life expectancy.
The worst outcome in aging is to be alone and poor.
Financial advisors should focus on holistic well-being, not just investments.
Maintaining muscle mass is vital for health span and longevity.
Living with purpose and connection enhances overall longevity.

Connect with Jon Sabes:

Connect with Will Hoffman:

John Sabes and Longevity Financial Partners are not affiliated with Hoffman Wealth Management and Private Advisor Group. This presentation is not intended as specific financial advice for any individual.

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The NIL Revolution: Transforming College Sports with Kristi Dosh (Episode 27)

By Wealth on the Move | August 21, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman and NIL expert Kristi Dosh delve into the transformative landscape of Name, Image, and Likeness (NIL) in college sports. They discuss the evolution of NIL rules, the financial implications for student-athletes, and the importance of building a personal brand through social media. Kristi shares insights on navigating contracts, the role of agents, and the tax responsibilities that come with NIL deals. The conversation also highlights the future of NIL, including market inefficiencies and undervalued opportunities for athletes.

Resources:

Kristi’s Website’s
- Kristidosh.com
- Business of College Sports Website
The Athlete’s NIL Playbook Website
LinkedIn: Sportsbizmiss
Facebook: Kristi Dosh
Instagram: Sportsbizmiss
TikTok: Sportsbizmiss
YouTube: Business of College Sports

Takeaways:

NIL has revolutionized the financial landscape for college athletes.
The rules around NIL have changed significantly since July 2021.
Athletes must navigate a complex and evolving NIL environment.
Written contracts are essential for NIL deals to avoid misunderstandings.
Many athletes may not need agents but should consider hiring attorneys.
Tax implications are a crucial aspect of NIL earnings for athletes.
Social media presence is vital for building a personal brand.
Athletes should diversify their content beyond just their sport.
NIL opportunities can extend into coaching and clinics for athletes.
The future of NIL may see more states allowing high school athletes to participate

Connect with Will Hoffman:

Kristi Dosh and Business of College Sports are not affiliated with Hoffman Wealth Management and Private Advisor Group. Hoffman Wealth Management and Private Advisor Group do not provide tax or legal advice. This presentation is not intended as specific financial, tax or legal advice for any individual. Please consult with qualified professionals for these types of advice.

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All About the One Big Beautiful Bill Act with Tax Wizard Kelly Bender (Episode 26)

By Wealth on the Move | August 14, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman and tax expert Kelly Bender dive deep into the implications of the new OB3 tax law and what it means for both business owners and individual taxpayers. They explore the importance of understanding business entity structures, the impact of payroll tax updates, and the necessity of long-term tax strategies. Key topics include changes to income tax brackets, retirement account contributions, child tax credits, and state and local tax (SALT) deductions. They discuss the permanence of the Qualified Business Income (QBI) deduction, updates to depreciation rules, and investment incentives such as Qualified Opportunity Zones and qualified small business stock. Kelly shares insights from her upcoming book aimed at helping new entrepreneurs navigate the complexities of starting a business, while also addressing common tax myths and the importance of proactive planning for future generations. Throughout the conversation, they emphasize how OB3’s changes require individuals and businesses to adapt to an evolving tax landscape in order to maximize benefits and maintain compliance.

Resources:

Takeaways:

Many small business owners don’t fully understand their entity structure.
OB3 introduces significant tax code changes impacting individuals and businesses.
QBI deduction is now permanent for small business owners.
Income tax brackets have been adjusted, but many won’t feel the impact.
Retirement contributions are now tied to inflation.
Child tax credit will increase to $2,200 per child by 2025.
New senior deduction of $6,000 for those over 65.
SALT deduction cap increased to $40,000.
Qualified Opportunity Zones can defer or eliminate taxes on gains.
Qualified small business stock offers significant tax benefits.
Payroll tax compliance is essential under new rules.
Depreciation rules now allow faster write-offs for capital investments.
Proactive, long-term tax planning can save money in the long run.
Common tax myths can lead to poor financial decisions.
Asking questions is vital for entrepreneurs starting out.

Connect with Will Hoffman:

Connect with Kelly Bender:

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Navigating Market Volatility | Insights from Q2 with Andrew Opdyke (Episode 25)

By Wealth on the Move | August 7, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman and Senior Economist Andrew Opdyke discuss the current state of the markets, focusing on the second quarter’s volatility, the Federal Reserve’s stance on interest rates and inflation, the impact of AI on business and investment, and the upcoming midterm elections. They also provide insights into portfolio strategies for the third quarter and reflect on historical lessons that can guide future decisions.

Resources:

Takeaways:

It’s time in the market, not timing the market that matters.
Data-driven insights are crucial for accurate forecasting.
Emotions can lead to irrational market reactions.
The second quarter saw significant market swings due to tariffs.
The Federal Reserve is cautious about cutting rates amid uncertainty.
AI is transforming industries and enhancing productivity.
Historical context is essential for understanding current market dynamics.
Investors should maintain a diversified portfolio.
The U.S. remains a strong place for business growth.
Perspective from history can guide future financial decisions.

Connect with Will Hoffman:

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Fitness & Finance: How Discipline Builds Wealth and Wellness with Stan Vaccari (Episode 24)

By Wealth on the Move | July 24, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman sits down with fitness expert Stan Vaccari to explore the deep parallels between physical fitness and financial wellness. Together, they discuss how both pursuits demand discipline, accountability, and a long-term strategic mindset. Vaccari draws from his experience in health coaching to emphasize the value of online coaching, the importance of tracking progress, and the common hurdles faced when starting new fitness or financial goals. The conversation touches on the underrated power of walking, post-workout nutrition strategies, and the lifelong benefits of investing in oneself. Reflecting on personal choices and growth, Will and Stan also delve into how historical perspectives shape current trends — including the evolving role of AI in our lives. Like training for a marathon or building wealth, success is best achieved with patience, consistency, and purpose.

Resources:

SV Coaching Website

Takeaways:

Fitness and finance are interconnected and influence each other.
Online coaching can provide better accountability and results than in-person training.
Discipline in training leads to improvements in other areas of life.
Starting points in fitness and finance are often the most challenging.
Setting clear goals and engineering a plan is crucial for success.
Slow and steady progress is more sustainable than quick fixes.
Accountability is key to maintaining fitness and financial goals.
Boring routines can lead to significant results over time.
Measuring progress is essential in both fitness and finance.
You don’t need expensive gadgets to track your fitness effectively.
Walking is a powerful fitness habit that can significantly reduce health risks.
Post-workout nutrition can be unconventional yet effective.
Investing in personal development is crucial for long-term success.
Life choices, such as education paths, can shape future opportunities.
Understanding and utilizing AI is essential for future success.

Connect with Will Hoffman:

Connect with Stan Vaccari:

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Travel Free, Live Rich: Unlocking the Freedom Lifestyle with the Lockwoods (Episode 23 / Part 2)

By Wealth on the Move | July 17, 2025

Summary: In Part 2 of this inspiring conversation, host Will Hoffman dives deeper with Phil and Erin Lockwood, the power couple behind Always Be Changing. This episode explores how they turned their adventurous lifestyle into a sustainable business model. They share how they monetized their YouTube channel, built income streams through brand partnerships, and revived the travel agency model with ABC Trips. Phil and Erin also unveil their online course, ‘Travel Free, Live Rich,’ aimed at helping families learn how to design, fund, and fully embrace a semi-nomadic life. From emotional parenting insights to tactical monetization advice, this episode is packed with practical wisdom for anyone dreaming of breaking the mold and living more freely.

Resources:

Takeaways:

Monetizing content goes beyond YouTube ads—brand deals and direct services are more lucrative.
ABC Trips offers personalized, relationship-driven travel planning with hands-on support.
Travel agents are resurging in popularity due to value-added experiences and human-level service.
Their online course ‘Travel Free, Live Rich’ teaches practical steps to fund and sustain global travel.
Content creation began casually but evolved into a key income stream through consistency and authenticity.
Most brand opportunities come inbound through email after building credibility and audience.
Loyalty programs and travel hacking make luxury experiences accessible with planning.
They emphasize doing it now—before kids are grown, not waiting until retirement.
Immersive travel (e.g. rice harvesting in the Philippines) creates lifelong family memories.
The biggest fear? Not money—but whether their parenting choices truly served their kids long-term.

Connect with Will Hoffman:

Connect with The Lockwoods:

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Nomadic Living with Kids | The Lockwoods’ Journey to Intentional Wealth & Freedom (Episode 22/ Part 1)

By Wealth on the Move | July 10, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman sits down with Phil and Erin Lockwood—founders of the ‘Always Be Changing’ brand. What began as a shift in educational choices for their children quickly blossomed into a transformational lifestyle change that saw their family exploring all seven continents. The Lockwoods share how they built a life that defies traditional templates—embracing asynchronous cyber schooling, running a remote business, and choosing meaning over money. They explain the philosophy behind their brand, how the pandemic shifted their priorities, and why their adventures are rooted in personal freedom and creative fulfillment. This episode offers a bold take on redefining wealth, education, and how we spend our most valuable resource—time.

Resources:

Takeaways:

The Lockwoods intentionally rejected the traditional 9-to-5 lifestyle to design a life rooted in experience.
They homeschool their children via Ignite Learning Academy, prioritizing flexibility and self-paced learning.
COVID-19 was a key catalyst in realizing that traditional systems (work, school) no longer served their goals.
They maintain a home base in Denver while traveling extensively—a semi-nomadic lifestyle.
Phil continues to run his marketing agency remotely while Erin contributes through content and education.
‘Always Be Changing’ originated from Phil’s company culture but evolved into a lifestyle brand and philosophy.
Off-season travel helped make their global journey surprisingly affordable.
They consciously chose experience and presence with their children over financial maximization.
Erin finds joy and purpose in public storytelling, both as a novelist and vlogger.
Monetization was never the initial goal—but has become a fruitful part of their global journey.

Connect with Will Hoffman:

Connect with The Lockwoods:

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